Axos Financial, Inc. (AX) Earnings History
Annual and quarterly earnings data from 2003 to 2025
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AX EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
AX Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 61.5% | 31.8% | 22.4% |
| 2024 | 58.9% | 36.0% | 25.5% |
| 2023 | 68.5% | 34.2% | 24.3% |
| 2022 | 89.9% | 44.9% | 31.8% |
| 2021 | 85.6% | 42.9% | 30.3% |
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Axos Financial, Inc. (AX) Earnings Overview
As of May 8, 2026, Axos Financial, Inc. (AX) reported trailing twelve-month net income of $476M, reflecting -3.0% year-over-year growth. The company earned $8.24 per diluted share over the past four quarters, with a net profit margin of 22.4%.
Looking at the long-term picture, AX's 5-year EPS compound annual growth rate (CAGR) stands at +20.0%, indicating exceptional earnings growth. The company achieved its highest annual net income of $450M in fiscal 2024.
Axos Financial, Inc. maintains industry-leading profitability with a gross margin of 61.5%, operating margin of 31.8%, and net margin of 22.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including WAL ($969M net income, 18.4% margin), CUBI ($224M net income, 15.8% margin), BANR ($195M net income, 23.8% margin), AX has outperformed on profitability metrics. Compare AX vs WAL →
AX Earnings vs Peers
Earnings metrics vs comparable public companies
AX Historical Earnings Data (2003–2025)
23 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $433M | -3.8% | $613M | $7.43 | 22.4% | 31.8% |
| 2024 | $450M | +46.5% | $635M | $7.66 | 25.5% | 36.0% |
| 2023 | $307M | +27.6% | $432M | $5.07 | 24.3% | 34.2% |
| 2022 | $241M | +11.6% | $340M | $3.97 | 31.8% | 44.9% |
| 2021 | $216M | +17.6% | $306M | $3.56 | 30.3% | 42.9% |
| 2020 | $183M | +18.2% | $263M | $2.98 | 25.6% | 36.6% |
| 2019 | $155M | +1.8% | $213M | $2.49 | 24.1% | 33.0% |
| 2018 | $152M | +13.1% | $240M | $2.38 | 27.9% | 43.9% |
| 2017 | $135M | +13.0% | $233M | $2.07 | 29.6% | 51.1% |
| 2016 | $119M | +44.3% | $205M | $1.85 | 31.1% | 53.4% |
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Start ComparisonAX — Frequently Asked Questions
Quick answers to the most common questions about buying AX stock.
Is AX growing earnings?
AX EPS of $8.24 reflects slowing growth at -3.0%, below the 5-year CAGR of +20.0%. TTM net income is $476M. Expansion rate has moderated.
What are AX's profit margins?
Axos Financial, Inc. net margin is +22.4%, with operating margin at +31.8%. Above-average margins indicate pricing power.
How consistent are AX's earnings?
AX earnings data spans 2003-2025. The current earnings trend is -3.0% YoY. Historical data enables comparison across business cycles.